Can Creditors Report a Late on Your Credit Prior to 30 Days?
Late payments are reported to the credit bureau and added to your credit report at least 30 days after the payment due date. Some creditors or lenders may not report late payments until they’re 60 days past due. Your creditor can tell you its policy for reporting late payments to the credit bureaus.
If you’ve missed a payment on one of your bills, the late payment can get reported to the credit bureaus once you’re at least 30 days past the due date.
Penalties or fees could kick in even if you’re one day late, but if you bring your account current before the 30-day mark, the late payment won’t hurt your credit.